Automobile Insurance

The laws of our state give an insurance company 60 days in which to make a decision to accept or reject the risk of a private passenger automobile liability insurance policy applicant. After this period, your policy may only be canceled for specific provisions of the West Virginia automobile cancellation laws and the insurer must give the insured thirty days notice of its intention to cancel. The specific reasons for cancellation are:

A. Non-payment of premium;B. The policy was obtained through material misrepresentation;C. The insured violates any of the material terms and conditions of the policy;D. Suspension or revocation of an operators license of the named insured, member of the household or any other person who customarily operates an automobile insured under such policy;

a. Becomes subject to epilepsy or heart attacks and cannot obtain certification of a doctor testifying to their ability to operate a motor vehicle;b. The named insured or any other operator, either resident in the same household or who customarily operates an automobile insured under the same policy is convicted for any of the following:

i. Any felony or assault involving the use of a motor vehicle.ii. Negligent homicide arising out of the operation of a motor vehicle.iii. Operating a motor vehicle while under the influence of intoxicating liquor or of any controlled substance.iv. Leaving the scene of a motor vehicle accident in which the insured is involved without reporting it to the authorities, which is required by law.v. Theft of a motor vehicle or the unlawful taking of a motor vehicle.vi. Making false statements in an application for a motor vehicle operator’s license.vii. Three or more moving traffic violations committed within a twelve-month period each of which results in three or more points being assessed on the driving record by the Division of Motor Vehicles.